新华财经天津2月5日电（记者李亭）人民银行天津市分行金融统计数据显示，2025年，天津市社会融资 规模同比多增，存贷款增速稳中有进，信贷结构持续优化，有力支持经济高质量发展。 重点领域信贷支持更加有力。2025年末，全市科技贷款余额同比增长11.3%，绿色贷款较年初增长 21.2%，普惠小微企业贷款同比增长19.8%，农林牧渔业贷款同比增长10.1%，均呈现较快增长势头。 社会融资规模同比多增。2025年，天津社会融资规模累计增量为5384亿元，同比多增464亿元，创有统 计以来新高。"十四五"期间，社会融资规模保持在较高水平，累计增量和年均增量分别为2.23万亿元和 4451亿元，比"十三五"时期分别多2546亿元和509亿元。 此外，天津社会融资规模增量中直接融资占比近年来持续处于较高水平，融资结构不断优化。全年企业 和政府直接融资占比39.4%，同比上升2.7个百分点。其中，企业债券净融资占比7.7%，高出全国平均水 平1个百分点。 声明：新华财经（中国金融信息网）为新华社承建的国家金融信息平台。任何情况下，本平台所发布的 信息均不构成投资建议。 （文章来源：新华财经） 存款保持稳定较快增长。2025年 ...

Core Viewpoint - The People's Bank of China (PBOC) maintains a moderately accommodative monetary policy, focusing on stabilizing employment, economic growth, and promoting reasonable price recovery [1][2] Group 1: Monetary Policy Direction - The PBOC emphasizes the importance of stabilizing employment, enterprises, markets, and expectations, indicating a continued focus on accommodative monetary policy [2] - The central bank acknowledges external shocks and structural contradictions in domestic demand and supply, necessitating a moderately accommodative monetary policy to counter economic downturn pressures [2] - The expectation for the year includes one 50 basis points (BP) reserve requirement ratio (RRR) cut and a 20 BP interest rate reduction [2] Group 2: Financial Stability Measures - The PBOC reiterates the need to prevent fund diversion while balancing financial support for the real economy and maintaining financial health [3] - The current deleveraging process is expected to be relatively mild, utilizing gradual measures to guide financial institutions in reducing leverage without causing systemic risks [3] Group 3: Establishment of Financial Stability Committee - The establishment of the Macro-Prudential Financial Stability Committee aims to enhance the analysis of systemic financial risks and develop macro-prudential policies [4] - The committee will focus on improving real estate financial management, supporting stable capital market operations, and regulating bond market violations [4][5] Group 4: Focus on Inclusive Finance and Loan Growth - As of June, the balance of structural monetary policy tools supporting the "five major articles" is 3.8 trillion yuan, with inclusive finance being a significant component [7] - Loan growth rates for various sectors show that the pension industry leads with a 43.0% increase, followed by green loans at 25.5% and technology loans at 12.5% [8] Group 5: Support for Technological Innovation - The PBOC has enhanced financing channels for technological innovation, launching the "Science and Technology Innovation Board" for bond issuance [9] - The introduction of bond risk-sharing tools aims to support equity investment institutions in issuing innovation bonds, enhancing their capital strength [10] Group 6: Risk Monitoring and Financial Infrastructure - The PBOC is developing a comprehensive risk monitoring and assessment system to enhance the resilience of the financial system [13] - The establishment of an interbank transaction reporting database aims to improve financial market infrastructure and transparency [14]